Share your experienceShare
Companies A-Z Rankings Categories Problems By state Latest complaints Trends Compare Experiences Reports Guides Share your experience
Theme

Complaint log

Bread Financial complaint log

The newest complaints about Bread Financial, as they are published, with the company's answer. Open any one for the full record and to discuss it.

ReceivedAboutIssueStateAnswerOn time
Nov 10, 2026Credit reportingProblem with a company's investigation into an existing problemTheir investigation did not fix an error on your reportFLExplainedYes
Nov 9, 2026Credit reportingImproper use of your reportReporting company used your report improperlyFLExplainedYes
Nov 9, 2026Debt collectionFalse statements or representationAttempted to collect wrong amountNYExplainedYes
Nov 6, 2026Debt collectionTook or threatened to take negative or legal actionThreatened or suggested your credit would be damagedNYExplainedYes
Nov 5, 2026Debt collectionAttempts to collect debt not owedDebt is not yoursTXFixedYes
Nov 5, 2026Credit reportingIncorrect information on your reportInformation belongs to someone elseNJFixedYes
Nov 4, 2026Credit cardsGetting a credit cardCard opened without my consent or knowledgeTXExplainedYes
Nov 4, 2026Debt collectionAttempts to collect debt not owedDebt is not yoursILExplainedYes
Nov 4, 2026Debt collectionWritten notification about debtNotification didn't disclose it was an attempt to collect a debtTNExplainedYes
Nov 4, 2026Credit reportingIncorrect information on your reportInformation belongs to someone elseFLFixedYes
Nov 4, 2026Credit reportingIncorrect information on your reportAccount information incorrectCOExplainedYes
Nov 4, 2026Debt collectionFalse statements or representationAttempted to collect wrong amountTXExplainedYes
Nov 3, 2026Credit reportingIncorrect information on your reportAccount information incorrectCOExplainedYes
Nov 3, 2026Credit cardsIncorrect information on your reportAccount information incorrectFLExplainedYes
Nov 3, 2026Credit cardsProblem with a purchase shown on your statementCredit card company isn't resolving a dispute about a purchase on your statementFLExplainedYes
Nov 3, 2026Debt collectionFalse statements or representationAttempted to collect wrong amountNCExplainedYes
Nov 2, 2026Credit cardsFees or interestCharged too much interestCAIn progressYes
Nov 2, 2026Payday & personal loansProblem with the payoff process at the end of the loanNJExplainedYes
Nov 2, 2026Credit reportingIncorrect information on your reportAccount status incorrectFLExplainedYes
Nov 2, 2026Credit reportingIncorrect information on your reportAccount status incorrectFLExplainedYes
Nov 2, 2026Credit reportingIncorrect information on your reportAccount status incorrectFLExplainedYes
Nov 2, 2026Credit reportingIncorrect information on your reportAccount status incorrectFLExplainedYes
Nov 2, 2026Credit cardsIncorrect information on your reportAccount information incorrectNYFixedYes
Nov 2, 2026Credit reportingImproper use of your reportReporting company used your report improperlyFLExplainedYes
Nov 1, 2026Credit reportingIncorrect information on your reportAccount information incorrectTXIn progressYes
Nov 1, 2026Credit reportingIncorrect information on your reportInformation belongs to someone elseMAIn progressYes
Nov 1, 2026Debt collectionWritten notification about debtDidn't receive enough information to verify debtTXExplainedYes
Nov 1, 2026Credit cardsProblem with a purchase shown on your statementCredit card company isn't resolving a dispute about a purchase on your statementFLIn progressYes
Nov 1, 2026Credit reportingImproper use of your reportReporting company used your report improperlyFLMoney backYes
Oct 31, 2026Credit cardsIncorrect information on your reportInformation belongs to someone elseINExplainedYes
Oct 31, 2026Credit reportingIncorrect information on your reportInformation belongs to someone elseMAFixedYes
Oct 31, 2026Debt collectionFalse statements or representationAttempted to collect wrong amountFLExplainedYes
Oct 31, 2026Debt collectionFalse statements or representationAttempted to collect wrong amountFLExplainedYes
Oct 31, 2026Credit reportingIncorrect information on your reportInformation belongs to someone elseTXExplainedYes
Oct 31, 2026Credit cardsProblem with a purchase shown on your statementCredit card company isn't resolving a dispute about a purchase on your statementALExplainedYes
Oct 31, 2026Credit reportingIncorrect information on your reportAccount information incorrectMSMoney backYes
Oct 31, 2026Credit cardsGetting a credit cardCard opened without my consent or knowledgeVAExplainedYes
Oct 31, 2026Credit reportingImproper use of your reportReport provided to employer without your written authorizationCAExplainedYes
Oct 31, 2026Credit cardsFees or interestProblem with feesOHMoney backYes
Oct 30, 2026Credit reportingImproper use of your reportReporting company used your report improperlyNVExplainedYes
Oct 30, 2026Debt collectionTook or threatened to take negative or legal actionThreatened or suggested your credit would be damagedNJExplainedYes
Oct 30, 2026Credit cardsFees or interestProblem with feesNYIn progressYes
Oct 30, 2026Credit cardsFees or interestCharged too much interestHIExplainedYes
Oct 30, 2026Credit cardsGetting a credit cardCard opened without my consent or knowledgeCAFixedYes
Oct 30, 2026Credit cardsAdvertising and marketing, including promotional offersConfusing or misleading advertising about the credit cardKYFixedYes
Oct 30, 2026Credit cardsProblem with a purchase shown on your statementCard was charged for something you did not purchase with the cardNYFixedYes
Oct 30, 2026Credit cardsAdvertising and marketing, including promotional offersDidn't receive advertised or promotional termsCAExplainedYes
Oct 30, 2026Credit cardsIncorrect information on your reportAccount information incorrectNYExplainedYes
Oct 30, 2026Credit reportingIncorrect information on your reportAccount status incorrectILExplainedYes
Oct 30, 2026Credit cardsFees or interestCharged too much interestFLExplainedYes

Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works

Check the record before you sign.

Then add to it. Every experience you share - good or bad - goes on that company's record and helps the next person decide. Two minutes, anonymous.

Share your experience